West Coast Equine Insurance Services

Surgical (Only) coverage
This option provides your horse with coverage (frequently up to $5,000) for the actual cost of surgery, and approved non-surgical veterinary fees for the "aftercare" This coverage is slightly less expensive than the above major medical and surgical option, but more limited in scope. Often, it is provided to horse's not eligible for major medical coverage, due to age, existing conditions, etc. Generally, this coverage is available through 17 years of age.

World-Wide Coverage Including Transit
The basic mortality policy provides coverage within the USA and Canada. If purchasing a horse in another country, or if you compete internationally, the policy will need to be endorsed to expand the coverage territory to and from other approved countries.

Stallion Infertility
This option provides coverage in the event your proven stud becomes permanently incapable of settling mares as a result of an accident, illness or disease. Coverage is not available to stallions in their first breeding season, and some companies may require a semen evaluation or vet exam prior to coverage.

External Injury Loss of Use
This option provides coverage in the event your horse is permanently unable to compete in its designated discipline, as a result of a visible, external, accidental and violent means. This would include injuries such running into a fence, getting kicked, or a trailering accident. This coverage is available to only a few disciplines. It requires that you also carry major medical coverage on the horse. Coverage is generally for only a percentage (ie: 50%) of the horse's value, and then technically, the company has the ownership rights to the horse following a claim.

Full Loss of Use Including Economic Destruction
This option provides coverage in the event your horse suffers an illness or injury, and as a result is permanently unable to compete in its designated discipline, or if the cost of surgical or medical support is not economically viable. This coverage requires a full vet exam, including X-rays of all four legs. As above, major medical coverage is required, and only a percentage of the horses value is paid to resolve a claim. Remember, when the company pays a claim, they then may have the legal ownership rights to that animal.

Disclaimer: These brief descriptions of coverages are for informational purposes only. In no way does this replace the actual policy coverages as written and endorsed by the insuring company.